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What is Mutual Exchange?

Mutual Exchange is where you, as a tenant, can find another tenant to swap homes with. It is easy to organise and can be an extremely quick way of moving home. You can even exchange with a tenant from another housing association or local authority. If you find another tenant to exchange with, you will need to obtain written permission from Waterloo before you can move. It is also your responsibility to check the condition of the home you are moving to and to have the current tenant make any outstanding repairs before you move.  

Who can apply for Mutual Exchange?

All Waterloo tenants other than Assured Short hold tenants have a right to exchange. Waterloo will encourage exchanges and will not unreasonably withhold permission. Any other housing association or local authority tenant may register for an exchange online.

 

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Mutual Exchange Policy:
   exchange.pdf (27Kb)

Tenancy Application Form:
   wtlapp.pdf (117Kb)

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How do I apply for Mutual Exchange?

To begin the process, complete the online exchange form, giving details of the property that you are currently living in, the type of property you wish to move to, and full contact details. The online application form must be completed in full where indicated. Tenants of any housing association or local authority can complete this application form. Then search the exchange database to find a new home.

Each application will remain live on the database for 12 months. After this time the appication will expire. The expiry date of each application will be displayed when the applicant logs in to the mutual exchange database online. The applicant will also be notified if the application has expired. It is the responsibility of the tenant to ensure that the application is kept current and 'live' on the database. Waterloo also urges those who no longer wish to have their application advertisied on the mutual exchange database, to delete their record using the facility available. If an application form has expired for longer than 6 months the details will be completey removed from the database.

How do I 'exchange'?

Firstly, make contact with the tenant of the property you wish to move to. If you are both happy to swap with each other you should contact your landlord. A Waterloo tenant wishing to exchange should complete a standard tenancy application form for the purpose of updating the Association on their current household situation. The application should clearly state on it the address to which the tenant wishes to move.

What happens then?

Upon receipt of the application, a check will be made of your tenancy file to ensure that no breaches of tenancy are apparent. Your rent account will also be checked. If rent arrears or other breaches of tenancy exist, you will be notified within 5 working days in writing that it is a condition of any exchange that the problems identified are remedied. The letter will state the matters to be rectified.

If there are no breaches of tenancy that require action by the tenant and the account is clear, a standard tenancy application form will be sent to the other party wishing to exchange to the Waterloo property with a covering letter requesting an appointment to discuss the matter.

An inspection of the Waterloo tenant's home will be conducted to ensure that there are no re-chargeable repairs or unknown improvements. The tenant will be advised in writing of any repairs that must be carried out as a condition of allowing the exchange to proceed.

The Association will require the following matters to be rectified by the tenant as a condition of moving.

  • The removal of unauthorised partitions, walls or archways
  • The renewal of cracked or broken glass
  • The replacement of non-fire doors with fire doors matching the original fitting
  • The replacement of all missing doors matching the original fitting
  • The replacement of all missing stair rails and banisters
  • Replacement of missing/ damaged smoke detectors
  • The removal of any unauthorised electrical or gas fixed fittings. If in doubt the Housing Officer will authorise a check before the exchange is allowed using an appropriately qualified approved contractor
  • The removal of any other unauthorised work which could compromise safety

The following items should be noted and the incoming tenant advised that he/she would be responsible for such items after the tenancy has been assigned.

  • Minor damage to kitchen units/ work surfaces (e.g. small burn marks)
  • Decorations
  • Non - standard kitchens which are safe and in good order
  • Non standard doors
  • Fire places
  • Built in wardrobes
  • Showers previously approved by the Association
  • Additional heating (e.g. gas/ electric fires) previously approved by the Association
  • Fences/ partitions previously approved
  • Any other improvements not noted above which do not compromise safety and the incoming tenant is prepared to accept.

In the event of a tenant failing to rectify any item, which is considered to be a health and safety hazard, the Association will carry out the work in default and will re-charge the tenant accordingly. The exchange will only be allowed to proceed on recovery of the costs of doing this work.

All improvements will be noted on file and recorded on the letter of assignment.

Can my application for mutual exchange be refused?

Yes. Consent for the exchange cannot be withheld except on one or more grounds set out in schedule 3 of the 1985 Housing Act. Consent to exchange will usually be refused for the following reasons:

  • The tenant is required to give up possession under a current court order
  • Proceedings for possession have started with the issue of a current Notice of Seeking Possession
  • The Waterloo accommodation is substantially larger than is reasonably required by the proposed exchange tenant. A spare bedroom is acceptable, but the exchange should be refused if there will be more than one spare room unless there are good management reasons for under letting substantially
  • The size of the accommodation will result in overcrowding
  • The property is specially adapted for a disabled person or is part of a category 1, 2 or very sheltered scheme and the proposed tenant has no requirement for such accommodation.

It is the responsibility of the Area Manager/ Housing Manager to check this.

How long will it take to exchange?

Both parties to the exchange will be notified within 42 days of their initial application. If the exchange is declined, you will be advised in writing within the 42-day time limit giving particulars of the ground for refusal, which must only be one or more of those grounds listed in schedule 3.

The final stages

An interview will be arranged with the prospective tenant to ascertain income and to give advice on Waterloo's tenancy, housing benefit and any other implications concerning the exchange. A home visit is preferable; otherwise a telephone interview will take place.

A letter giving details of the Association's tenant and family will be sent to the other party's landlord.  The letter should request the landlord's consent for the proposed exchange to proceed.

On receipt of the reply from the other landlord consenting to the exchange, a report will be prepared for consideration by the area manager/ housing manager.

After approval has been granted, a date for the exchange to take place will be agreed between the tenants and their respective landlords. A letter of assignment will be completed and arrangements made for it to be signed by both the outgoing and incoming tenant and the Housing Officer. All improvements/ repairs will be recorded on this letter of assignment. A copy of the original tenancy agreement will also be attached.

This tenancy agreement must not be altered, names crossed out or dates amended in any way. A copy of the original agreement must be given to the incoming tenant along with the usual information (handbook etc) released during a standard letting. The Association's policy and procedures should at that time be explained to the incoming tenant and the rent due collected.

The tenants may then exchange by swapping keys.

Once the new tenant has moved in, the usual void electrical/ gas check should be organised.

The tenancy details held on the Association's computer must then be amended accordingly.

 

     
  © Waterloo Housing Association 76-78 Boldmere Rd, Sutton Coldfield, West Midlands, B73 5TJ. Tel: 0121 355 4501/ 4651.